Are there two $900 deductibles and copay limits—one for In-Network and one for Out-of-Network?
Yes. Effective January 1, 2008, there will be a separate In-Network and Out-of-Network deductible and copay limit. This means that there is a $900 deductible for In-Network services and a $900 deductible for Out-of Network services. The copay limit for both In-Network and Out-of-Network services is $1,000 with a $3,000 family maximum.